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Posted by New Age Real Estate on 3/16/2018

If budgeting isnít your thing, youíll be glad to discover that itís quite simple. Thereís a way to categorize your spending and save money easily. If you learn the rule, it will become so automatic that you wonít even think about it. If youíre saving money for a home, this practice will be essential. Break your budget down into three categories: 

  • Living expenses
  • Financial goals
  • Personal spending

Half of your budget should go towards living expenses. This number includes all of the essentials like rent or mortgage, utilities, groceries, commute costs, and insurances. 

20 percent of your income should go towards other financial goals like savings, investments, or paying down debt. Credit card bills, student loans, and other bills would fall under this category. This category is also where youíd save for your down payment, closing costs, and other expenses. This percentage can be adjustable depending on how much debt you have or how much you need to save for retirement. 

The remaining 30 percent of your income can go towards personal spending. This category includes everything that you use your money for but isnít a necessity. This percentage is also flexible. If your lifestyle doesnít require you to use all 30 percent each month, you can indeed save more money.

A Clear Plan 

These categories simplify your budget. Even if you make some adjustments to the numbers, the outline truly makes budgeting easy even for the most scatterbrained among us. It allows you to see where your money goes clearly. It also works no matter what kind of living situation you have.

The great thing about this budgeting plan is that you have some future needs built into it. Many times, when we budget, we think of our immediate needs and our shorter term goals. Saving for any occasion can never happen too early. You are able to not only focus on your current goals and the future.   


First, determine your monthly income. This number is how much money you take home after taxes. From here, youíll be able to split your money into categories by percentages. If your income fluctuates frequently, youíll need to take an average of your monthly income to determine your numbers. 

Next, you should take a look at your spending habits. These include everything from your morning latte to your monthly rent payment. From here you can make adjustments. Perhaps you need to look for a less expensive apartment. Maybe you need to cut down your weekly pizza to a bi-monthly purchase. Whatever you see in your finances, a simple percentage rule gives you the tools you need to become a saver and be well on your way to the purchase of your first home.     

Tags: saving money   budgeting  
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Posted by New Age Real Estate on 3/9/2018

Purchasing a home in a seller's market may prove to be difficult. Fortunately, we're here to offer expert guidance to ensure you can find the best house at the lowest price, regardless of the present real estate sector's conditions.

Now, let's take a look at three tips to help you get ready to pursue a home in a seller's market.

1. Assess the Housing Market Closely

A seller's market likely features a shortage of high-quality houses. As such, you'll want to analyze the local real estate sector closely so you can identify your dream home faster than ever before.

Take a look at the prices of recently sold houses in your city or town. This information can help you understand the average price range for homes of all sizes in your area. You also should find out how long these homes were available before they sold to understand the current pace of the real estate market.

Furthermore, you should make a checklist of home must-haves and wants. Once you craft this checklist, you can assess the houses available in your city or town and map out your homebuying journey accordingly.

2. Get Pre-Approved for a Mortgage

In all likelihood, you'll need to act fast to acquire your ideal residence in a seller's market. If you have a mortgage in hand when you submit a home offer, you may boost your chances of receiving a "Yes" from a seller.

A home offer that is contingent on a buyer's approval for a mortgage often is far from ideal. If a seller receives this type of offer, he or she may be reluctant to accept it, as there are no guarantees a buyer will be able to obtain the necessary financing to acquire a home.

Comparatively, a buyer who gets pre-approved for a mortgage can enter a seller's market with a budget in hand. And if he or she finds a great house, this buyer can submit an offer without having to worry about getting financing at a later time.

To get pre-approved for a mortgage, you should meet with a variety of lenders. These financial institutions can teach you about a wide range of mortgage options and help you find the right mortgage based on your finances.

3. Collaborate with a Real Estate Agent

A seller's market can be tough to navigate, regardless of whether you're a first-time or experienced homebuyer. Thankfully, real estate agents are available who can guide you along the homebuying journey.

Typically, a real estate agent will learn about your homebuying goals. He or she then will keep you up to date about houses that meet your criteria, set up home showings and help you submit offers on residences. And if you ever have homebuying concerns or questions, a real estate agent is ready to respond to them at any time.

Prepare to buy a house in a seller's market Ė use the aforementioned tips, and you can move one step closer to acquiring your dream residence.

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Posted by New Age Real Estate on 3/2/2018

Let's face it Ė cleaning a house from top to bottom may prove to be a time-consuming task. Fortunately, we're here to help you streamline your home cleaning efforts and ensure you can get your house ready for the real estate market.

Now, let's take a look at three steps that home sellers should take before cleaning a house.

1. Make a Plan

If you only have a limited amount of time to clean your house prior to listing it, there is no need to worry. Plan ahead, and you can achieve the best-possible results.

Oftentimes, it helps to make a checklist of which rooms need to be cleaned. You also should include the types of cleaning that need to be done in different areas of your home. For instance, if you need to scrub the bathroom toilets or remove dust from the bedroom ceiling fan, you should include these details in your checklist.

With a plan in place, you'll be better equipped than ever before to speed up your home cleaning efforts. And if you need extra assistance as you craft your home cleaning plan, it may help to consult with a real estate agent.

A real estate agent understands what it takes to prepare a house for the real estate market. As such, this housing market professional can offer recommendations and suggestions about how to plan ahead for home cleaning.

2. Establish Priorities

Once you know which areas of your home that you need to clean, you should establish priorities. By doing so, you can further streamline your home cleaning activities.

It generally helps to clean common home areas at the same time. For instance, if all of your bedrooms are located on the top floor of your house, you may want to go from bedroom to bedroom and perform extensive cleaning. That way, you can simultaneously clean all of your home's bedrooms.

In addition, it may be a good idea to schedule attic or basement cleaning first. Cleaning an attic or basement may force you to get dirty. And if you clean these areas right away, you can minimize the risk of spreading attic or basement debris into other portions of your home.

3. Pick Up Cleaning Supplies

Make a list of cleaning supplies that you'll need to make your house sparkle. Then, you can purchase these supplies and return home to kick off your cleaning efforts.

Don't forget to buy gloves, facemasks and any other items that you'll need to protect your face, hands and skin. These items will enable you to stay safe as you work in areas that may be loaded with debris.

Lastly, if you need help getting the best-possible home cleaning results, you may want to consider hiring professionals. With a team of expert home cleaners at your side, you can receive comprehensive home cleaning assistance.

Ready to clean your house? Follow the aforementioned steps, and you can quickly and effortlessly prepare to clean your residence prior to adding it to the real estate market.

Posted by New Age Real Estate on 2/23/2018

You probably know that in your home surface cleaning is much different than deep cleaning. Once you get the right spots down that need to be dusted, next, you need to vacuum up all of that dust and dirt. A well-vacuumed house is a happy house (and a dust bunny-free home!) The areas listed below are easy to miss, but once you get the hang of cleaning them, your home will be that much cleaner.

Between The Chair Cushions

Your kids may surf the couch cushions for extra change, but thereís another treasure to be had under there: plenty of crumbs and dirt. People eat on the couch and hang out there a lot. That means thereís dust, dirt, crumbs, hair, and more under those cushions of each chair in your home. Take the time to vacuum and get up all of the gunk. 

The Stairs

You probably go up and down your stairs at least a dozen times a day, but do you always take the time to vacuum them? The problem is that it can be hard to find an outlet for the vacuum and it can be a pain to move the attachments in order to get in all of those nooks on the stairs. Your best bet is to use a separate vacuum all together on the stairs. Use a lightweight cordless unit to make your life easier. 

The Windows

Your windows and window treatments are most likely neglected. Take the time to vacuum these up the next time you have the vac unit out. Curtains and blinds can harbor a lot of dust thatís difficult to remove. Use the brush attachment to achieve squeaky clean windows.   

The Doormat

You wipe your feet on it every time you come in the house, but o you remember to clean it? Start by shaking out the doormat outside to get loose debris off of it. You should take the time to vacuum up dirt and debris that collects around the doormat to keep anything leaves or dirt from entering further into your home. 


This part of the house may be a less obvious place to vacuum. If your lampshade is dirty, the light wonít correctly shine through the lamp. Remove the lampshade then use a hose attachment to remove dust from the inner and outer portions of the lampshade.


The next time you change your bedding, flip your mattress, or the seasons change, take the time to vacuum your mattress. Dust mites and all kinds of things can be harbored in the mattress. Itís important to give your bed some TLC every once in a while.     

Categories: Uncategorized  

Posted by New Age Real Estate on 2/16/2018

As a homebuyer, it is easy to envision finding the perfect house, submitting an offer on it and acquiring it right away. However, it is important for buyers to consider the worst-case scenarios as well.

A buyer who understands the worst-case scenarios that he or she may encounter during the homebuying journey can plan accordingly. That way, this buyer will be better equipped than others to avoid various homebuying worst-case scenarios altogether.

Now, let's take a look at three common homebuying worst-case scenarios, as well as how buyers can avoid these situations.

1. You find your dream home, but it falls outside your price range.

If you enter the housing market without a mortgage in hand, you may need to act quickly to acquire the necessary financing to purchase your dream house. But once you kick off a search for a mortgage, you may find that the cost to acquire your dream home falls outside your budget.

When it comes to getting home financing, it often helps to be proactive. Fortunately, if you meet with banks and credit unions before you launch a home search, you can determine exactly how much money you can spend on a residence.

Banks and credit unions employ friendly, knowledgeable mortgage professionals. With these mortgage experts at your side, you should have no trouble getting pre-approved for a mortgage at your convenience.

2. You discover a wide range of problems during a home inspection.

A home inspection likely will be completed in the days after a seller accepts your offer on a residence. And in some instances, an inspection may force you to reconsider whether you want to purchase a house.

If you encounter problems during a home inspection, you still have lots of options. You can ask a seller to perform assorted home repairs or reduce your offer. Or, you can walk away from a home sale and restart your home search.

For homebuyers who are worried about any problems that they encounter during a home inspection, it is paramount to look closely at all of the aforementioned options. By doing so, you can make an informed decision about whether to proceed with a home purchase or reenter the housing market.

3. You employ a real estate agent who fails to help you achieve your homebuying goals.

Many real estate agents are available in cities and towns nationwide. But if you fail to conduct an extensive search for the right real estate agent, you may struggle to accomplish your homebuying goals.

When choosing a real estate agent, you should learn about this housing market professional's industry experience. It also helps to meet face-to-face with a real estate agent and discuss your homebuying goals with him or her. This will enable you to determine whether you're comfortable working with a particular real estate agent.

Enjoy a quick, stress-free homebuying experience Ė consider the aforementioned worst-case homebuying scenarios, and you can minimize the risk of potential pitfalls throughout the homebuying journey.

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